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"We were unable to obtain your most recent monthly payment data from the credit reporting agency" was the reason. I waited the 6 months to hit the luv button. I know my scores are good enough for an increase. I've noticed that some people were denied for the same reason a few months ago but they never updated their situations. I do not want to contact EO because I did that for the past 2 increases and don't to annoy them. Any suggestions?